Ping An Manulife's premium is high, but it is worthwhile to return it to the 0-year-old child every 3 years, because the premium will basically be returned when the child is 60 years old, but the protection is still there, which is more cost-effective. Unfortunately, the premium is high, as the saying goes: wool ..., hehehe ~
If you don't consider refunding money and consider high security, GM is still good. After paying for 20 years, the insured amount can be increased after the child 18 years old, which is very practical!
It's up to you ~